Identityfraudresources.com

Posts Tagged ‘Annual’

Background Screening Expert Jason B. Morris Presents at 47th Annual ASHHRA Conference & Exposition in Phoenix, AZ on September 12

(PRWEB) September 07, 2011

EmployeeScreenIQ founder Jason B. Morris will speak at the 47th Annual ASHHRA Conference & Exposition in Phoenix, AZ at the Phoenix Convention Center on September 12, 2011 3:45 pm pst.

Technology has dramatically changed the way companies compete for talent and screen prospective employees, but nothing approaches the impact of social networking. With the widespread use of Facebook, LinkedIn and other sites comes a wave of legal liabilities for both recruiters and screeners. Other emerging technology threats include online diploma fraud, employment mills that manufacture work experience, screen scraping and more. Employers need to develop best practices and policies in order to successfully manage Web 2.0 technologies.

The presentation, entitled “Recruiting and Hiring Liabilities: Protecting Your Organization from the Harmful Effects of Web 2.0,” will educate the HR community about the legal pitfalls of social networking and the related threats of online diploma fraud, employment mills, screen scraping and more. Attendees will learn which social networking sites are most popular with recruiters and applicants, and their impact on employment screening and the hiring process. Morris will also offer advice on how to develop a social media policy and spot the warning signs of diploma and employment mills.

For more information, please visit the ASHHRA Conference site.

About EmployeeScreenIQ:

Founded in 1999, EmployeeScreenIQ is a Cleveland, Ohio-based employment screening company offering a variety of employment screening services to mid- and large-cap organizations throughout the world, including those in North and South America, Europe and East Asia. EmployeeScreenIQ is accredited by the National Association of Professional Background Screeners (NAPBS), a distinction earned by only one percent of all employment screening companies. For more information, visit http://www.EmployeeScreen.com.

Media Contact:

Nick Fishman, EmployeeScreenIQ

(847) 564-5410            

nfishman(at)employeescreen(dot)com

This press release was distributed through PR Web by Human Resources Marketer (HR Marketer: http://www.HRmarketer.com) on behalf of the company listed above.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Fraud Employment Press Releases

Consumer Protection Attorney Robert Brennan to Address the Annual Convention of the California State Bar About Remedies for False Information in Consumer Data Files

La Crescenta, Ca. (PRWEB) September 14, 2011

“Information privacy is a thing of the past, but legal remedies to control the accuracy of information in your credit and background check reports is the wave of the future.” So stated leading consumer protection attorney Robert F. Brennan of Brennan, Wiener & Assoc. in La Crescenta, Ca., about his upcoming presentation to the California State Bar Association Annual Convention in Long Beach.

Mr. Brennan joins noted consumer privacy and identity theft attorney Mari Frank, Esq. of Orange County, and Beth Givens, Director of California’s Privacy Rights Clearinghouse, on the panel. Their presentation is schedule for Thursday, September 15, 2011 at 10:30 a.m. at the State Bar Annual Convention in Long Beach.

“This really is a presentation for all consumers and not just for lawyers,” comments Brennan. “These days, with the information brokers like Lexis/Nexis and the three major credit bureaus presuming that they own your identity, private and personal information about everyone has been sold and spread widely, usually without any consumer’s knowledge or consent. Realistically, no one can expect true privacy in the digital age. The real battleground will be in making sure that the information is accurate or is corrected when false information is added to someone’s identity. False reports of bankruptcies, evictions, foreclosures repossessions, delinquent accounts or even criminal convictions are all too common on the credit reports and background checks of so many consumers, and they really have no idea how to address the problem. Our panel is, I should hope, the first of many such panels to educate both the legal community and the community at large about how to protect your identity and how to clean up and remedy false or inaccurate information.

“From what I understand, the public is welcome at the panel discussion. Attorneys need to register for the Convention but non-attorneys should be able to attend.”

About Robert F. Brennan: Robert F. Brennan, Esq. and his firm, Brennan, Wiener & Associates, handle identity theft and wrongful credit report damage cases and have a track record of successfully cleaning up credit reports and also of obtaining compensation for their clients. Mr. Brennan is well known for taking this fairly technical area of the law and breaking it down into its simplicity so that anyone can themselves, without the assistance of an attorney, handle identity thefts and also clean up derogatory marks on their credit reports which do not belong there. When consumers find themselves unable to clean up their credit reports or background check reports on their own, that’s where Brennan, Wiener & Associates steps in, to ensure that the wrongful derogatory credit or background check marks get cleaned up and to ensure that the consumers so affected receive adequate compensation.

For further information, contact Robert F. Brennan at (818) 249-5291 or email him at info(at)brennanla(dot).com. You can also visit his websites at http://www.socalcreditdamage.com or http://www.socalidentitytheft.com.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More How To Protect Your Identity Press Releases

Florida Prepaid College Plans Annual Open Enrollment Begins Oct. 17

Tallahassee, FL (PRWEB) October 17, 2011

The Florida Prepaid College Board begins its 2011-2012 annual enrollment period on Monday, October 17, which means parents can purchase a Prepaid College Plan to prepay higher education costs at this year’s plan prices until the January 31, 2012 deadline. This open enrollment season, plans will include tuition and most mandatory fees, as well as Florida Prepaid’s newest plan, the 4-Year Florida College Plan, which was launched in 2010 in response to the evolving Florida College landscape. Florida Prepaid College Plans continue to help families save smartly for future college expenses.

“With recent reports from Moody Analytics showing the cost of higher education rising at a higher rate than healthcare in our country, we recognize it is critical for families to start saving for the future today,” said Chairman Duane Ottenstroer of the Florida Prepaid College Board. “The consumer-friendly savings options and comprehensive prepaid plans give Florida families an opportunity to safely secure funding for their child’s college education. The objective of each of the prepaid plans is to allow families on any budget to begin planning for their child or grandchild’s future with peace of mind.”

The Florida Prepaid College Board’s plan options include:

    2-Year Florida College Plan (formerly Community College Plan): prepays 60 lower division semester hours of tuition, registration fees and local fees at a Florida College (formerly known as a community college).
    4-Year Florida College Plan: prepays the tuition, registration fees and local fees for 60 lower division as well as 60 upper division semester hours at a Florida College (formerly known as a community college).
    2 + 2 Florida Plan: prepays 60 lower division semester hours of tuition, registration fees and local fees at a Florida College (formerly known as a community college) and 60 undergraduate semester hours of tuition, registration fees, tuition differential fee and local fees at a Florida state university.
    4-Year Florida University Plan: prepays tuition, registration fees, the tuition differential fee and local fees for 120 semester hours at any of the 11 state universities in Florida.

Since 1988, families have purchased more than 1.4 million Florida Prepaid College Plans, making it the largest and most successful prepaid plan in the nation. Nearly one in 10 Florida children has a Florida Prepaid College Plan.

When your child is ready for college, this year’s Florida Prepaid College Plan will cover the cost of tuition and most required fees at Florida’s 11 state universities and 28 Florida Colleges (formerly community colleges) and can also include dormitory housing. If the student decides to attend an out-of-state college, technical school or a private college in Florida, the value of the plan may be transferred to any eligible educational institution. To qualify for a plan, the child or child’s parent/guardian must be a Florida resident. Parents, grandparents, friends and even businesses can purchase a plan.

For more information on plan options or to sign up online for the Florida Prepaid College Plan, families can visit http://www.myfloridaprepaid.com or call 1-800-552-GRAD (4723) to request an Enrollment Kit in English or Spanish and speak with a customer service representative.

*The Florida Prepaid College Board does not provide tax or investment advice regarding its Prepaid College Plan or its College Investment Plan. The Florida Prepaid College Plan may not cover certain imposed fees by state universities and state colleges. The Florida College Investment Plan is subject to market conditions.

Please carefully review the Disclosure Statement and Participation Agreement and consult with your advisor(s) about risks before investing in your child’s education.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Free Annual Credit Report

Would FREE copies your credit report be of interest? If you are committed to repairing your credit or simply want to know what is on your credit report, I have good news for you. A free copy of your credit report is available to every consumer annually. This article discusses the free report as well as repairing your credit report once you have your credit file on hand.

Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont always had a right to one free report per bureau each year. But now this same benefit is available in every state – one FREE credit report from each of the three major national credit bureaus every 12 months.

Additionally, consumers may be entitled to a free report under certain other conditions, such as having been denied credit, insurance or a job within the past 60 days. You’re also entitled to a free report if you think your report is inaccurate due to fraud.

But under the new law, Equifax, Experian and TransUnion have an online site where you can get a free report at Annual Credit Report. There is also a toll-free phone number: 877-322-8228. Finally you can write to P.O. Box 105281, Atlanta, GA 30348-5281. Yahoo News suggests: “If you do use the postal address, it’s best to print and mail in a completed online request form. You can’t get your report unless you answer questions on the form.” There is also information available through Federal Trade Commission.

You can purchase additional reports and/or a credit score by contacting one of the consumer credit reporting companies.

Equifax

Experian

TransUnion

You can also purchase a credit score when you request your free annual credit report through Annual Credit Report (referenced above.)

You might want to note that each bureau offers credit ID fraud called safeguard services, but for fees. For example TransUnion offers “ID Fraud Watch”. For .95 each quarter, you get a credit report every three months and ,000 of identity theft insurance.

]]>

Once you have your report, what do you look for?

Here are some basic things you should check on your report. Go through your entire report entry by entry. Have the credit agency legend by your side in order to verify coding compliance. Have also a paper and pencil to annotate any item you find in error. Go slowly.

Don’t assume your personal information is correct. You could be viewing information from someone else’s report with just a simple error such as: first name misspelled, missing Jr./Sr., erroneous address, bad zip code, wrong employer, or any other incorrect personal data.

Insure marital information is correct. Are accounts listed as “joint” really joint?

Is the report in compliance with court settlements? Outdated information is normally considered to be any item older than 7 years except for bankruptcy, which is usually 10 years.

Closed accounts should not be listed as open. Accounts you closed should reflect, “Closed by consumer”. Otherwise it can be assumed that it was closed by the creditor– not good.

Accounts should not appear twice even in different sections.

Incorrect histories such as late payments, a credit entry you do not recognize, a pre-marital debt of your current spouse, or other such items need your attention.

Are there missing reports that would be beneficial to show a good history, and are profiles, credit limits, and balances correct?

A former correction to your credit file that has since disappeared should be brought to the agency’s attention.

_________________________________

Final Comments: I am often asked if a collection company sells your account to another collection agency, can you get the first one deleted from your report or will it just show as a zero balance

Reporting depends on who owns the account there are several directions this can take:

If the original creditor still owns the account but assigns the debt to a collection company then both get to report on that account listing.

If the original creditor retracts the collection and re-assigns it to a new collection agency then both original creditor and the 2nd collection agency can report but the first one must remove their listing off of the credit report.

If the original creditor sells the debt to a collection agency then the creditor will report zero balance / sold to another lender, and the collection agency will report.

If that collection agency assigns a debt to another collection agency then it is allowable for both to report the account listing, but if they take back that account then that assigned collection agency must remove their reporting.

Now if that collection agency sells the debt to another collection agency they get to keep their reporting on the report since they owned the account at one time, and the new collection agency picks up on the reporting.

Therefore, the difference is if your account is “assigned” or “sold”.

Readers will probably be interested to know Mike, the author of this article, also offers a free debt elimination mini-course via e-mail. You can enroll at Debt Free In 7.5 Years.

www.s3xvid.cotoro.com trends – 0 transfer credit card, bad credit loan, bad credit personal loan, credit free online report, free copy of credit report, home loan interest rate, 15 year mortgage, auto loan, christian debt reduction, consolidation debt loan student, current mortgage interest,…
Video Rating: 0 / 5

Free Annual Credit Report | Awesome Service

Need to step up your credit score? Are you planning to look for a new home, but the concern of being rejected by creditors or pay off too much extra? There are more than 35 jillion individuals who wish to work up their credit papers. Time, loyalty, financial discipline and budget preparation will definately raise your score in the long term. But there are directions overmuch simpler and quicker to step up the credit score. The single requirement for knowledge is the secret workings of the arrangement and the individual openings in it. Here are 3 painless steps to help you see how to rectify credit straightaway.

First things first, it is significant to recognize where you stand on the scale of credit (A), and where you should be (B). For many creditors three digit FICO score is the greatest indicator of potential functioning of your measure to commit. Still, a credit score of 680 qualifies for a mortgage in favor with a creditor, and may be declined as dissatisfactory. Various lenders have different credit score expectations and thus it is significant to acknowledge what the score will be.

]]>

Deal with late payments, collection invoices and tax liens undoubtedly step up your score. Maxed out credit cards can have a wounding effect on your credit. The trouble with each of these ideas is that most of us do not hold extra cash to pay back all debts in full or in discovering a honest person who could give us a vote of confidence, and let us on the back of his credit. And that’s where the smaller acknowledged enigmas of credit come in.

If you do not have the income to pay all your debts, then you should focus on serious invoices that hold the most damaging effect on your score. From all accounts your payment history is an element of more than 35% of your score. That’s why managing for any postponement in payment should take an instant step up in the score. Just pay back the charge does not convey the desired results.

Alternatively, you must seek to talk terms with collection offices and the hope to pay back only if they transfer the item from your credit file. Taking Out the unfavorable component is a great deal more beneficial than paying up the damaging percentage. You have more leveraging with debt collecting agencies than you think.

The sole requisite is about the secret workings of the banking system and the different loopholes in it. When you start to consider outside the box, you will be surprised how effortless credit repair truly is.

free annual credit report

Find More Credit Report Gov Articles

Why Bother Getting Your Annual Free Credit Report?

You are able to view your free annual credit report once each year through the Equifax, Experian and TransUnion credit bureaus as allowed by federal and state law.

Your credit report lists a history of details on all your credit accounts. The information in your annual free credit report file is maintained by these consumer reporting companies and could be given in a report about you to a lender.

With that said, why would anyone care anyway? Big deal what’s in your credit file. Right? Wrong. Remember that join charge account you had with your wife, or now should I say your ex-wife? Well maybe she never cut up her credit card and continues to use it like nobodys business. If you would check your free credit report, it would be in there.

And don’t forget about identity theft. Is someone in Budapest opening up accounts in your name? Again, this information would be in your credit file.

If you plan on opening up new credit accounts later this year, like from a cellphone company, a new credit card or an auto loan, it is best to view your credit report before hand just so there are no surprises.

]]>

You also need to decide if you want to view all three credit reports at the same time or view one now and the others on a later date. The obvious advantage of ordering all three credit reports at the same time is that you will be able to compare them. Then you would have to hold off on requesting your credit reports again for another 12 months.

But if you only order one report today from either Equifax, Experian and TransUnion, you could request another report in four months. This way you can keep tabs on your credit report three times a year.

What’s the difference between your free credit report and your free credit score?

Your annual free credit report lists the full detail on all your credit accounts. It tracks your past payments on all your loans and credit cards. Your credit report is different than your credit score. Your credit score is a number that ranges from 300 to 850.

Your credit score is used by a lender to help them determine whether you might qualify for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs by lending you money or providing them with a service. In other words, the likelihood that you would make your payments on time in the future. The higher your credit score, the less risk you represent to a lender. 

The credit score you saw last year or even last week for that matter, was a snapshot of your credit file at that moment in time. Credit scores are fluid and can change anytime your credit report file is updated with new information.

You should always stay on top of your credit reports and credit score before you apply for any loans or credit card. Get your annual free credit report from any or all of the three major credit reporting agencies. You will also find excellent tools such as credit monitoring services to help you stay on top of your credit rating.

Find More How To Get Free Credit Report Articles

The brand new commercial for CreditReport.com
Video Rating: 5 / 5

FTC Annual Report Details Efforts to Protect Consumers From Fraud

That’s where state and federal agencies – like the Federal Trade Commission – come in. The FTC outlined its efforts in a 2010 Annual Report released by the commission’s chairman Jon Leibowitz at a meeting with the American Bar Association’s Section of Antitrust Law Spring Meeting.

The report outlined efforts to protect consumers against financial fraud, pay-for-delay agreements used by drug companies and other challenges that emerged in the post-recessionary economy.

“This past year the financial downturn has presented huge challenges for many Americans – and for the FTC,” Leibowitz said. “The agency has responded by working harder than ever to bring enforcement actions to protect consumers and promote competition.”

One form of financial fraud targeted a group of individuals already struggling to make ends meet: distressed homeowners heading toward foreclosure. RealtyTrac figures show that some 2.8 million properties receive foreclosure filings in 2009, meaning there was no shortage of possible victims.

Scammers impersonated government organizations or otherwise misled consumers into believing they would be able to purchase a mortgage loan modification. Operation Loan Lies and Operation Stolen Hope were launched by the FTC to combat these fraud efforts. Since then, the commission has proposed increased disclosure rules as well as a ban on upfront fees and misleading promises.

The FTC also joined efforts with law enforcement officials to establish Operation Short Change and Operation Bottom Dollar to protect consumers from fraudulent job offers and debt relief programs. Many of these efforts cause victims to fall deeper into debt when promises are not fulfilled, according to the report.

Educational materials available in the form of video, print and radio spots have been released by the FTC in order to increase consumers’ ability to identify and avoid these fraudulent actions.

Consumers may be able to reduce their risk of being victimized by fraud by avoiding agencies or services that demand large up front fees before providing services. In addition to foreclosure rescue companies, this may also include debt settlement companies. Rather, consumers should speak directly with their lender or a credit counseling service in order to negotiate loans or obtain advice.

This article is submitted by Krystle Chelsea Chan, SEO Specialist at http://www.creditreport.com

 

 

More Creditreport Articles

Free annual credit report – credit report lends you quick money

This is quite obvious that people in USA lack the physical assets and they cannot manage even their monthly expenses properly. That’s why they need finances. But, lenders ask for the security against the money. This is the problem of the people that they cannot get funds in time. But there are a few lenders, with their new schemes in which they can issue money against the important documents and intangible assets. These are like – checking account passbook, credit card, debit card or annual credit reports. The best and easy thing to send to the lenders is annual credit report. The free annual credit report scheme is a scheme in which the people of USA can get money whenever they want without any limit just by sending their credit reports to the lender.

The free annual credit report is simple and quick process. You need to follow a few steps under this scheme. The lender has to be searched. You have to sit in front of an internet enabled system and search it. One click will fetch pop-ups of millions of lender. Check his terms and conditions. Decide whose terms and conditions are matching with yours Select the best one. After selecting him, entered in his agreement immediately. But you have to take care of few basic things about the finance. These basic things are as:

• You are a USA citizen whose age is above 18 years.
• You are not a bad credit scorer.
• Your annual credit report is free from all disputes.
• Your income is more than 1500 USD.
• You are having a checking bank account in any USA bank.

This entire process will not take too much time. After completing all these, you will get money in few minutes. You can use the money till the payday and low rate of interest is applicable in this scheme. No extra charges are involved. You can send the post dated checks to the lender for the purpose of payment.

 

The free annual credit report is simple and quick process. You need to follow a few steps under this scheme. This entire process will not take too much time. After completing all these, you will get money in few minutes. You can use the money till the payday and low rate of interest is applicable in this scheme. No extra charges are involved.

 

This is quite obvious that people in USA lack the physical assets and they cannot manage even their monthly expenses properly. That’s why they need finances. But, lenders ask for the security against the money. This is the problem of the people that they cannot get funds in time. But there are a few lenders, with their new schemes in which they can issue money against the important documents and intangible assets. These are like – checking account passbook, credit card, debit card or annual credit reports. The best and easy thing to send to the lenders is annual credit report. The free annual credit report scheme is a scheme in which the people of USA can get money whenever they want without any limit just by sending their credit reports to the lender.

More Annual Credit Report Articles

Annual Credit Report- Have Control Over Your Credit Situation

An annual credit report has to be provided to the lender from the customer who is intending to borrow for a loan, mortgage or a credit card as it supports the lender to deciding the credit strength of the borrower. An annual credit report demand can be made to various credit bureaus on the internet and even through a local credit bureau via phone or mail. The consumer is also authorized legally to download free credit reports from one of three major national bureaus which are Equifax, Experian and Trans Union, once a year, under US Federal Law. To prove an identity, the customer will need to provide photocopies of various essential documents which would be a driving license, any utility bills or even the bank statement. The consumer can get an online credit reports as well which is instant.

Even if producing an annual credit report request is helpful and easily available, it is not always enough. A more superior option is to ask for a credit report every couple of months or once in a quarter. These reports ensure the updating of the current credit standing with extra details as well as minimize the possibility of mistakes. If mistakes are not identified on time, they could do more harm and also take a longer time to be fixed by the credit reporting company.

Another issue with the free annual credit report request is that such reports do not provide the credit score. A credit score determines the credit worthiness of an individual. If this numerical value is high, an individual can obtain credit more easily as well as qualify for better and lesser interest rate. Hence, individuals have to put in separate requests for obtaining a credit score. Various credit bureaus use different scoring models. The most popular credit scoring method is the FICO Score, ranging between 350 and 850. Finally, bear in mind that the three major bureaus might not necessarily share information. Hence, your credit report content may be different with each one. Therefore, it is advisable to make separate annual credit report requests at each bureau.

Free Annual Credit Report Online – Acquire The Credit Particulars Instantaneously

Credit report means a lot while applying for any credit facility or for job. But for availing it one needed to travel long distances and wait for a longer time in queues. So, to make the availability of the credit report easy and simple the government has taken the initiative of supplying the free annual credit report online.

This provision is available without any complications and much formality. There is no documentation required to avail it and no paperwork or its faxing is involved. The person has to perform the formalities online. He or she has to fill in a simple request form with all the necessary details like your name, residential address, contact number, spouse name, personal security number and also the employer details.

The bureau after the verification of these details will provide you with the security code for the identification purpose during the acquisition of the credit particulars. This will ensure that the credit report is not viewed by any other person except the individual to whom the credit statements belong to. Any other person can also view the credit details may be it is a financial institution or bank on the consent of the proper individual.

When you are in times of fiscal need and you require the finance urgently you can apply for the free annual credit report online. This will enable you to get credit facility immediately as you will be able to present the credit statements in an immediate manner to the lender company. This process is not at all time consuming and so you can save a lot of time and energy.

While applying for the provision of this kind you must be conscious to apply on the official website only because, there are many other private companies which may give false claim for providing this service. However it is advisable to refer to the website of governmental organizations which will provide you true and fair report.

Find More Annual Credit Report Online Articles